Observation date:
Official source ↗Calculate. Understand. Decide.
Explore a loan, a home purchase, credit-card repayment or your savings. Every result is an estimate based on your inputs.
Other costs and currency scenario
Zero means this cost is excluded, not that the bank charges nothing. Annual insurance is spread over 12 months for this estimate.
YOUR ILLUSTRATIVE ESTIMATE
Monthly payment
EUR 19,801- Financed amount
- EUR 1,000,000
- Total interest
- EUR 188,072
- Payments plus costs entered
- EUR 1,188,072
- Repayment period
- 60 months
- Cash needed upfront
- EUR 0
User-entered assumptions, not a bank offer. Monthly rates equal the annual nominal rate divided by 12; bank day-count conventions may differ.
Includes the borrowed amount, interest and only the extra costs entered. Costs left at zero are excluded. Follow-on rates and exchange-rate changes are assumptions, not forecasts. This is not APR.
Reference rates
What is variable interest based on?
The bank adds its margin to the reference rate and may set a minimum interest rate.
Observation date:
Official source ↗Effective from:
Official source ↗How do these rates affect my loan?
BTH 12M is the weighted-average accepted yield of 12-month Albanian Treasury bills. Euribor 12M is a euro interbank reference rate. The ECB main refinancing rate is separate and does not replace Euribor. Use the reference and reset date in your bank’s contract.
These are dated observations, not live quotes or forecasts. Euribor is published by this source with a 24-hour delay. NEI also reflects applicable loan costs.